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Hoffman Insurance & Retirement Planning, Inc. is owned and operated by William "Craig" Hoffman, Jr., a licenced independent insurance agent based in Raleigh, NC.
Unlike typical insurance agents who are captive representatives of a single company, Hoffman Insurance & Retirement Planning, Inc. is contracted with more than 40 of the highest rated insurance providers. Our extensive portfolio of providers sets us apart from competitors and ensures that we can provide you with the best insurance and annuitity policies on the market.
Committed to getting you the best value for your dollar and the
most complete insurance coverage possible, Hoffman Insurance &
Retirement Planning, Inc. has an outstanding reputation for excellent
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MEDICARE MEDICARE PRODUCTS
Medicare Advantage Plans are health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through that plan. This coverage can include prescription drug coverage.*
Medigap Policies are health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover.*
*Definitions sourced from The US department of Health and Human Services
web site at http://www.medicare.gov
LIFE LIFE INSURANCE
Life insurance will protect your family and/or specified dependents in the event of the policy holders death. In general, it is an essential component in planning for the future. There are three main categories of life insurance:
Term Life is the simplest and least expensive type of policy. It's pure insurance with no cash value account. A term life policy has only one function: to pay a specific lump sum to whoever you've designated, upon a specific event, your death.
Whole Life insurance provides permanent protection for your dependents while building a cash value account. With this type of insurance, the insurance company manages the policies various accounts.
Universal Life insurance provides permanent protection for your dependents and is more flexible than whole or variable life.
LONG-TERM LONG-TERM CARE
Long-term Care is a variety of services that includes medical and non-medical care to people who have a chronic illness or disability. Long-term care helps meet health or personal needs. Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. It is important to remember that you may need long-term care at any age.
While there are a variety of ways to pay for long-term care, it is important to think ahead about how you will fund the care you get. Generally, Medicare doesn’t pay for long-term care. Medicare pays only for medically necessary skilled nursing facility or home health care. However, you must meet certain conditions for Medicare to pay for these types of care. Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom. Medicare doesn’t pay for this type of care called "custodial care."
MEDICAL MEDICAL INSURANCE
Major Medical Insurance is a form of health care coverage that provides benefits for most types of medical expenses. Offering more complete coverage with fewer gaps, major medical insurance covers a much broader range of medical expenses – including those incurred both in and out of the hospital – with generally higher individual benefits and policy maximum limits.
These medical insurance policies are divided into two general groups: comprehensive major medical insurance , in which the traditional basic coverages and essentially any other type of medical expense are combined into a single comprehensive policy; and supplemental major medical insurance , in which coverage begins with a traditional basic policy that pays first, with the major medical coverage added to pick up expenses left uncovered by the initial basic policy.
ANNUITIES ANNUITIES
Annuities act in opposition to life insurance. While life insurance protects you financially against an early or unexpected death, annuities protect you from the financial risk of living too long and outliving your money.
There are two basic types of annuities: fixed annuities and variable annuities. Fixed annuities guarantee a set payout each month. With variable annuities, payments fluctuate depending on the performance of the annuity-holder’s investments. Fixed annuities are safer, but the payment doesn’t typically rise with inflation. Variable annuities allow the potential for a higher payout, but also carry the risk of a lower payout.
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